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Many of my customers who have been seriously hurt in a car crash were hit by some body who had no insurance or only the minimum liability insurance coverage, that will be $25,000 in Ny and much... Car insurance was not sold by me, but as a lawyer practicing in the field of accidental injury I usually see since they have the wrong insurance coverage people suffer. Usually, this happens because they purchased directly from an insurance provider as opposed to an unbiased broker. Many of my customers who've been seriously hurt in an auto accident were arranged by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in Nyc and much less in many other states. Unfortunately, a lot of my customers were sold plans with liability limits of $100,000 or $300,000, but were not sold related underinsured and uninsured protection. Another new client had this problem, only this week. My client was a pedestrian crossing the street when she was hit by the scene was fled by a car which. The driver was found right after leaving the accident, but the owner of the car only has the Newest York State minimum liability insurance of $25,000 and my customer has serious injuries comprising many broken bones including a broken arm, leg and brain. A car is owned by my client with liability insurance boundaries of $300,000, but she purchased the insurance from her underinsured coverage was not sold by GEICO whose salesperson. GEICO does not use independent insurance agents, but carries insurance directly to customers through in-house telemarketers.  [http://therightautoinsurance.com/ the best]  For a little charge, my client may have obtained underinsured protection of $300,000 which will have helped her to recover $300,000 for her injuries in place of $25,000. Ironically, she did not require her assets to be protected by the $300,000 liability coverage. However, when you can't buy underinsured coverage greater than your liability coverage, I'd have encouraged liability coverage to be purchased $300,000 by her for the only real intent behind being able to purchase $300,000 underinsured coverage. I have had many clients in this example who lost their jobs as a result of serious accidents and incurred substantial debt. When they had related underinsured coverage, the excess money open to pay their claim would would be described as a big help to pay their bills and get their life back together.  [http://therightautoinsurance.com/ analyze commercial auto insurance quotes]   [http://therightautoinsurance.com/ cheap young driver car insurance]  Underinsured driver coverage will pay money to you from your own personal auto insurance policy if you've been injured in a car accident by some body who was liable for producing your harm and who had less liability insurance coverage than you did. Uninsured motorist coverage will probably pay you when the other car did not have any insurance coverage or the personality of the other car is unknown. Underinsured and uninsured coverage is cheap and often for sale in limits that match your liability insurance coverage. It is unavailable in amounts higher than your liability insurance coverage. Underinsured and uninsured coverage is indeed important that a handful of states now require coverage limits matching your liability insurance limits, if you don't diminish the coverage in writing. Several years ago, I suggested to many Nyc State senators they enact a similar law in New York. I've also seen several clients who were not sold the utmost medical installments insurance, which costs only $2.01 to me monthly on my car insurance policy. This really is specially very important to individuals who don't have a great medical insurance plan. It is also good for individuals who don't have medical insurance.  [http://therightautoinsurance.com/ car cheapest insurance rate]  Why should you get car insurance through an independent insurance agent? The courts have identified the reason why. There have been many &quot;malpractice&quot; lawsuits against insurance companies for failure to provide uninsured and underinsured coverage limits to motorists matching the liability limits. But, once the insurance company sells right to customers, these cases have gone in support of the insurance companies. The courts found that when a consumer purchases insurance right from an insurance company, in place of an insurance broker, the consumer is only buying insurance and is not spending money on assistance. When you buy auto insurance from several different insurance companies are represented by an independent insurance broker who, you get the benefit of an insurance professional who can advise you accordingly and examine your needs. Furthermore, only a completely independent insurance broker provides you with a range of insurance companies and costs, so you obtain the best protection at the cheapest cost. Whether you get your car insurance immediately from an insurance company or through an independent insurance agent, constantly be sure that you purchase matching uninsured and underinsured motorist coverage and the maximum medical payment benefits.